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Executive Liability Insurance

Running a company means making decisions people can sue over. Executive liability coverage from Eastern Shore Insurance Agency protects your leadership, your board, and the organization behind them.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

When decisions get challenged

Executive liability protects your leadership when decisions draw claims.

A former employee alleges wrongful termination.

Employment practices liability funds the defense and any covered settlement.

A board decision draws a lawsuit from a member or investor.

D&O coverage protects the directors personally and the organization.

A benefits plan administration error triggers a claim.

Fiduciary liability responds.

What Executive Liability Insurance Covers

Executive liability is a family of coverages protecting the people who run the organization

Directors & officers (D&O)

Personal protection for leadership decisions, and reimbursement for the organization.

Employment practices liability (EPLI)

Claims of wrongful termination, discrimination, harassment, and retaliation.

Fiduciary liability

Errors in managing employee benefit plans.

Crime and employee dishonesty

Theft of money or property by employees or outsiders.

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Who Needs Executive Liability Coverage

These claims target the people who make decisions, and they arrive regardless of company size.

Companies with a board or investors

Decisions at the top invite claims.

Employers of any size

Employment claims do not care how small the payroll is.

Organizations sponsoring benefit plans

Fiduciary duties carry personal exposure.

Non-profits with volunteer boards

Volunteer status does not shield personal assets.

We place executive programs for non-profits and churches, manufacturers, and healthcare organizations across the region.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Executive Liability Coverage

These claims target the people who make decisions, and they arrive regardless of company size.

Companies with a board or investors

Decisions at the top invite claims.

Employers of any size

Employment claims do not care how small the payroll is.

Organizations sponsoring benefit plans

Fiduciary duties carry personal exposure.

Non-profits with volunteer boards

Volunteer status does not shield personal assets.

We place executive programs for non-profits and churches, manufacturers, and healthcare organizations across the region.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Which coverage do I need?

Three different kinds of lawsuit, three different policies. Knowing which is which is half the protection.

Executive Liability

Management decisions, employment claims, and fiduciary duties.

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General Liability

Physical injuries and property damage.

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Professional Liability

Mistakes in the services you sell to clients.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Executive Liability FAQs

Quick answers to common questions from owners, officers, and boards.
If it has investors, lenders, partners, or a board, yes. D&O claims against private companies come from all of those directions, and defense costs alone can be devastating without coverage.
Employment claims are among the most common lawsuits small businesses face, and they arrive regardless of merit. EPLI covers the defense either way, which is most of the cost of a typical claim.
Only if the organization carries D&O. Volunteer status does not shield personal assets from suit, and experienced board candidates increasingly ask about D&O before they will serve.
Premium depends on headcount, revenue, and the coverages you combine. Packaged D&O and EPLI programs for small organizations are more affordable than most owners expect. Request a quote.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

Professional Liability

Protection for your advice and your work product.

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General Liability

Everyday protection for your business.

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Cyber Liability

Defense against evolving cyber threats and data risks.

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Commercial Umbrella

Extra liability protection when you need it most.

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Non-Profits & Churches · Manufacturing · Healthcare & Senior Living

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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